Can I retire at age 35 with 521,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $521,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$43,024$42,640$42,267$41,902$41,545$40,459
2 years$21,299$20,902$20,518$20,145$19,783$18,696
3 years$14,058$13,660$13,276$12,907$12,551$11,498
4 years$10,439$10,041$9,662$9,299$8,952$7,939
5 years$8,267$7,873$7,498$7,142$6,805$5,837
6 years$6,820$6,429$6,059$5,712$5,385$4,461
7 years$5,787$5,399$5,035$4,696$4,379$3,501
8 years$5,013$4,628$4,270$3,939$3,633$2,800
9 years$4,411$4,029$3,678$3,355$3,059$2,270
10 years$3,929$3,552$3,207$2,892$2,607$1,861
11 years$3,536$3,162$2,823$2,517$2,242$1,538
12 years$3,208$2,838$2,505$2,208$1,943$1,279
13 years$2,931$2,565$2,238$1,949$1,694$1,070
14 years$2,693$2,331$2,011$1,730$1,485$899
15 years$2,488$2,130$1,816$1,543$1,308$758
16 years$2,308$1,954$1,646$1,382$1,156$641
17 years$2,150$1,799$1,498$1,242$1,025$543
18 years$2,009$1,663$1,368$1,119$911$461
19 years$1,884$1,541$1,252$1,011$812$392
20 years$1,771$1,432$1,149$916$725$334
21 years$1,669$1,334$1,057$831$649$285
22 years$1,576$1,245$974$756$582$244
23 years$1,492$1,164$899$688$522$208
24 years$1,414$1,091$832$628$469$178
25 years$1,343$1,024$770$573$422$152
26 years$1,278$962$714$524$381$130
27 years$1,217$906$663$480$343$112
28 years$1,161$853$617$440$310$96
29 years$1,109$805$574$403$280$82
30 years$1,061$760$535$370$253$70
31 years$1,015$719$498$340$228$60
32 years$973$680$465$312$207$52
33 years$933$644$434$287$187$44
34 years$896$610$406$264$169$38
35 years$861$579$379$243$153$33
36 years$827$550$355$224$139$28
37 years$796$522$332$206$126$24
38 years$767$496$311$190$114$21
39 years$739$472$291$175$103$18
40 years$712$449$273$162$94$15
41 years$687$427$256$149$85$13
42 years$663$407$240$138$77$11
43 years$641$388$225$127$70$10
44 years$619$369$212$117$64$8
45 years$598$352$199$108$58$7
46 years$579$336$187$100$52$6
47 years$560$321$175$93$48$5
48 years$542$306$165$85$43$5
49 years$525$292$155$79$39$4
50 years$509$279$146$73$36$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $521,000, adding $2,499 every year, while hoping to spend $43,333 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 44/50/6 Blend
34$521,000$521,000$521,000$521,000
35$576,720$549,107$541,031$601,012
36$589,439$529,907$513,050$598,849
37$602,004$508,314$482,679$591,836
38$614,352$484,165$449,792$583,225
39$626,414$457,287$414,258$572,883
40$638,112$427,499$375,940$560,669
41$649,360$394,607$334,695$546,431
42$660,059$358,407$290,371$530,004
43$670,100$318,683$242,813$511,214
44$679,360$275,209$191,858$489,871
45$687,704$227,744$137,334$465,773
46$694,979$176,032$79,064$438,702
47$701,016$119,806$16,862$408,422
48$705,625$58,783$0$374,683
49$708,598$0$0$340,383
50$709,700$0$0$307,456
51$708,673$0$0$305,803
52$705,228$0$0$302,941
53$699,046$0$0$298,715
54$689,773$0$0$292,951
55$677,016$0$0$285,458
56$660,340$0$0$276,024
57$639,262$0$0$264,412
58$613,249$0$0$250,364
59$581,709$0$0$233,591
60$543,988$0$0$213,774
61$499,363$0$0$190,561
62$447,032$0$0$163,562
63$386,110$0$0$132,347
64$315,619$0$0$96,439
65$234,477$0$0$55,312
66$141,489$0$0$8,385
67$35,333$0$0$0
68$0$0$0$0
69$0$0$0$0
70$0$0$0$0
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0